Search found 384 matches

by ny_rn
Sun Jun 10, 2018 12:46 am
Forum: Investing - Help with Personal Investments
Topic: 35 and Need Help With Building Wealth
Replies: 55
Views: 6611

Re: 35 and Need Help With Building Wealth

Make more money. Avoid lifestyle creep and invest the rest.
by ny_rn
Wed May 30, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: The Side Hustle
Replies: 65
Views: 8189

Re: The Side Hustle

Thank you all for the replies. It's interesting to see what others are doing out there. I guess my Instagram side hustle pays for my real side hustle - Vanguard Total Stock Market (taxable account). And, a good beer here and there. :beer
by ny_rn
Tue May 29, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: The Side Hustle
Replies: 65
Views: 8189

The Side Hustle

Just out of curiosity, how many Bogleheads have side hustles? Do you mind sharing what you do? How did you come up with the idea? What do you do with profits? I currently run a small medical/health account on Instagram and the income from that nets me about 30% of my full-time job monthly income. Ti...
by ny_rn
Wed May 09, 2018 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: 100% equity folks- holding any cash/bonds now?
Replies: 50
Views: 4989

Re: 100% equity folks- holding any cash/bonds now?

Single, 33-year-old.

100% Vanguard Total US Stock Market across my 403(b), Roth IRA and taxable account. Although, I do hold approximately one year worth of cash.
by ny_rn
Fri Apr 20, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum vs Dollar-cost average in 2018?
Replies: 7
Views: 903

Re: Lump sum vs Dollar-cost average in 2018?

403(b) - should max out around July 2018.
Roth IRA - lump sum.
Taxable - throw money in throughout the year.

I believe in "time in the market."
by ny_rn
Fri Apr 20, 2018 3:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 325
Views: 34864

Re: Post your Financial Milestone Announcements Here

Casey Ryback wrote:
Fri Apr 20, 2018 2:45 pm
Just hit 1,000,000 net worth last month. I’m 33 and my wife is 31. One goal is to increase my taxable account, as most of my assets are in 401ks, IRAs, and 529s. The other goal is to hit 2,000,000 by 40. I owe a lot to this group.
Amazing work, Casey.
by ny_rn
Wed Apr 11, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: 29 YO With a big windfall. Invest or Pay off the mortgage?
Replies: 17
Views: 2573

Re: 29 YO With a big windfall. Invest or Pay off the mortgage?

I would probably act as if I did not receive this money and invest it according to my IPS. In my case I would put it all in Vanguard Total US Stock and go have a beer.
by ny_rn
Wed Apr 11, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Where should I put 25K that is gifted to me?
Replies: 9
Views: 794

Re: Where should I put 25K that is gifted to me?

Savings account until you find out what to do.

Just make sure you DO NOT touch it.
by ny_rn
Wed Apr 11, 2018 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing out 403(b) early in year
Replies: 10
Views: 705

Re: Maxing out 403(b) early in year

Thank you all for the replies. It looks like I'll just "get it done."
by ny_rn
Tue Apr 10, 2018 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: 401ks maxed, Roths fully funded. Whats next?
Replies: 11
Views: 841

Re: 401ks maxed, Roths fully funded. Whats next?

I'm in the same boat. I moved to taxable and currently looking at something beyond that. Any thoughts?
by ny_rn
Mon Apr 09, 2018 6:55 am
Forum: Investing - Help with Personal Investments
Topic: Maxing out 403(b) early in year
Replies: 10
Views: 705

Re: Maxing out 403(b) early in year

blueman457 wrote:
Mon Apr 09, 2018 6:53 am
The only catch up the employer match. It seems that some companies will match monthly as long as you contribute monthly. My employers have not had this stipulation but others on this board have.

Blue Man
Unfortunately, I do not have a match.
by ny_rn
Mon Apr 09, 2018 6:49 am
Forum: Investing - Help with Personal Investments
Topic: Maxing out 403(b) early in year
Replies: 10
Views: 705

Maxing out 403(b) early in year

Fortunately, I have been able to max out my unmatched 403(b) for the past few years. This year, I am considering contributing the full $18,500 within the next few months. To date I have contributed approximately $6,000. Are there any advantages/disadvantages to contributing the full amount early in ...
by ny_rn
Sun Apr 08, 2018 2:16 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3575
Views: 1020084

Re: What Movie Have You Recently Watched?

A Quiet Place
Spinning Man
The China Hustle
The Outsider
You Were Never Really There
by ny_rn
Sat Apr 07, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 12568

Re: What is your AA, given your age? and, Why?

I am 33-years old with a asset allocation of 100/0. Total US stock market spread across 403(b), Roth IRA and taxable account. Why? I like simplicity. I’ll add bonds when I can no longer sleep at night. Although, I do have a pension that is not counted at this time in my asset allocation. I follow th...
by ny_rn
Wed Apr 04, 2018 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Very Small Amounts Daily
Replies: 22
Views: 3176

Re: Investing Very Small Amounts Daily

I have automatic contribution set for X amount weekly and X amount on the 1st of every month. I also contribute X amount randomly when I have extra funds.
by ny_rn
Thu Mar 29, 2018 9:14 pm
Forum: Investing - Theory, News & General
Topic: Is 100% VTSAX (+ bonds) the best portfolio?
Replies: 14
Views: 1817

Re: Is 100% VTSAX (+ bonds) the best portfolio?

It works for me. I solely own this across my 403(b), roth and taxable account. I love simplicity.

"There is more than one road to Dublin." - Taylor Larimore
by ny_rn
Tue Mar 27, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Los Angeles Condo Purchase Advice
Replies: 53
Views: 3857

Re: Los Angeles Condo Purchase Advice

Do you have to pay this "gift" back?
by ny_rn
Wed Mar 21, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Buy in Miami?
Replies: 20
Views: 1780

Re: Rent or Buy in Miami?

Renting seems so much more straightforward but financially speaking I know buying a home can be a much smarter choice. Simple answer. Rent. You will be new to Miami. Your girlfriend is just starting school. What if she finishes PA school and wants to move? What if she doesn't finish the program? Ki...
by ny_rn
Tue Mar 13, 2018 5:02 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 325
Views: 34864

Re: Post your Financial Milestone Announcements Here

cfs wrote:
Mon Mar 12, 2018 5:57 pm
ny_rn wrote:
Sat Mar 10, 2018 3:18 pm
. . . My 403(b) recently hit six-figures and I still have ~ 30-years until I need this money . . . .
Wow, what a feeling! Oh, I like the animated gif. Good luck, y gracias por leer ~cfs~
Thank you. I wish my current employer matched contributions.
by ny_rn
Sat Mar 10, 2018 3:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 325
Views: 34864

Re: Post your Financial Milestone Announcements Here

My 403(b) recently hit six-figures and I still have ~ 30-years until I need this money. Here's to all of my co-workers who make fun of me because I keep a ziplock bag full of coins at work to buy coffee, snacks, etc. :D Animated GIF: https://media.giphy.com/media/gTURHJs4e2Ies/giphy.gif Thank you, B...
by ny_rn
Mon Mar 05, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: $500 gift card, what to do?
Replies: 42
Views: 3348

Re: $500 gift card, what to do?

Option 1: Send it to me.

Option 2: Use it on everyday expenses: gas, coffee, food, buy other people coffee, etc.

Don't overthink this. It's a gift card. Use it. I still prefer option 1. :D
by ny_rn
Fri Mar 02, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: The Side Hustle [when to incorporate]
Replies: 1
Views: 431

The Side Hustle [when to incorporate]

Long story short, I operate a online side hustle that generates a average net income of approximately $2k per month. I put in no more than 3-5 hours per week into this side hustle. All of the money comes in via PayPal. At what point should I incorporate this side hustle? I intend to increase the amo...
by ny_rn
Sat Feb 24, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Just had our offer accepted on a $1.4 Million House
Replies: 90
Views: 9631

Re: Just had our offer accepted on a $1.4 Million House

wholeinone04 wrote:
Sat Feb 24, 2018 7:01 am
So which loan option should we go with?
Neither. Rent for the next three years, save a lot and then buy your "dream house." Simple.
by ny_rn
Wed Feb 21, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: JL Collins - The Simple Path to Wealth
Replies: 7
Views: 2606

JL Collins - The Simple Path to Wealth

For all of you JL Collins fans, here's a interview he did at Google.

https://www.youtube.com/watch?v=T71ibcZAX3I
by ny_rn
Sat Feb 17, 2018 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Investment strategy... have an extra 1000 a month to spend
Replies: 11
Views: 994

Re: Investment strategy... have an extra 1000 a month to spend

Unstoppable247 wrote:
Sat Feb 17, 2018 2:43 pm
We do not have an IRA.
Get two (you and your wife). That's ~ $11k tax-free growth space...

You will not find a lot of individual stock picking around here. Sorry.
by ny_rn
Sat Feb 17, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Investment strategy... have an extra 1000 a month to spend
Replies: 11
Views: 994

Re: Investment strategy... have an extra 1000 a month to spend

Do you both have rIRA in place? If not, max those out and save the rest.
by ny_rn
Tue Feb 13, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 14135

Re: What big item (>20k) are you saving up for?

Disclaimer: 33-year old male, single, no kids. - Enough to pay almost cash or huge downpayment for a home when the time comes. - Money for future family. - Any opportunities that arise that will help that money make money. Other than that, 100% of that money is parked in good ole Vanguard Total US S...
by ny_rn
Mon Feb 12, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: Random conversations regarding money
Replies: 44
Views: 5027

Random conversations regarding money

Last night I was at a gathering and found myself in a conversation regarding money and investing with another individual. He asked about what I invest in, etc and I told him, " mostly the US total stock market." He then proceeded to tell me how he only invests in physical gold bars, tax-deferred and...
by ny_rn
Tue Feb 06, 2018 10:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: New Bogleheads Local Chapter in Little Rock, AR
Replies: 32
Views: 3523

Re: Any Bogleheads in Little Rock, AR?

My hometown is Little Rock, AR, but I currently live in Brooklyn, NY. I'm there at least 1-2 every month or so. I would love to meet up if the times work.
by ny_rn
Mon Jan 22, 2018 12:32 am
Forum: Investing - Help with Personal Investments
Topic: Please recommend an allocation now ( age 31) if retiring in 20 years ?
Replies: 33
Views: 2511

Re: Please recommend an allocation now ( age 31) if retiring in 20 years ?

Increase income (not sure what it currently is) and save, save, save.
by ny_rn
Fri Jan 19, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Help Me Spend $900.00 Unused FSA Dollars
Replies: 42
Views: 3222

Re: Help Me Spend $900.00 Unused FSA Dollars

This happened to me too. I did the following:

1. Massages/acupuncture.
2. Designer glasses.
3. Store credit where I bought the designer glasses.

Make sure the credit card terminal at the place you want to use the FSA money is labeled "health or medical."
by ny_rn
Fri Jan 05, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Cryptocurrency Exit Strategy
Replies: 52
Views: 5149

Re: Cryptocurrency Exit Strategy

I tend to think some of the other posters' ideas were good ones. I will likely adopt something like "when currency x gets to y level I will take z% of my holdings out and either move them into VTSAX, augment other crypto positions or buy new currencies". I have moved all of my past crypto gains int...
by ny_rn
Fri Jan 05, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: I am waiting for an opportunity to lump sum my 2018 contribution to Roth IRA:)
Replies: 16
Views: 1245

Re: I am waiting for an opportunity to lump sum my 2018 contribution to Roth IRA:)

Forget the "slight" drop off and max it out today. Time in the market; not timing the market.
by ny_rn
Fri Jan 05, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Cryptocurrency Exit Strategy
Replies: 52
Views: 5149

Re: Cryptocurrency Exit Strategy

Thank you all for the responses. I will start by taking 2x my money out and leave the rest.

It will be interesting to see how this new fund by Arrington XRP Capital plays out: http://arringtonxrpcapital.com/blog/
by ny_rn
Fri Jan 05, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Cryptocurrency Exit Strategy
Replies: 52
Views: 5149

Re: Cryptocurrency Exit Strategy

Sell. Sell now. We own some crypto that we got early last summer, and cannot get out because all of the exchanges are backed up indefinitely in processing new users. Or that's the story I am told. I frankly don't buy it. I think it's all fictional, the whole thing. I don't think anyone is trading a...
by ny_rn
Thu Jan 04, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Cryptocurrency Exit Strategy
Replies: 52
Views: 5149

Re: Cryptocurrency Exit Strategy

ohboy! wrote:
Thu Jan 04, 2018 4:09 pm
harvestbook- Use gdax, not coinbase. Same login. No fees if you use limit orders and way lower fees with market orders. Free transfers between the two exchanges as well.
This is exactly what I do.
by ny_rn
Thu Jan 04, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Cryptocurrency Exit Strategy
Replies: 52
Views: 5149

Re: Cryptocurrency Exit Strategy

Hope you got out of some of it at $3.50. Like others have said, take your initial investment off the table, and take some profit to cover short term capital gains. Ripple is way overvalued at this point. It likely already priced in any potential pump from being added to Coinbase. You can see lots o...
by ny_rn
Thu Jan 04, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Cryptocurrency Exit Strategy
Replies: 52
Views: 5149

Re: Cryptocurrency Exit Strategy

Valuethinker wrote:
Thu Jan 04, 2018 10:40 am
ny_rn wrote:
Thu Jan 04, 2018 10:34 am
From my dot com days, remember to take some profits off the table. It's not actual money until you have done that.
Great point.
by ny_rn
Thu Jan 04, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Cryptocurrency Exit Strategy
Replies: 52
Views: 5149

Cryptocurrency Exit Strategy

I do not intend for this post to turn into a "should I speculate with cryptocurrency" thread. We all understand it is highly speculative/volatile and could drop to $0 at any point. With that said, I purchased Ripple (XRP) early December 2017. Today it is trading ~ $3.50. I plan to hold XRP until it ...
by ny_rn
Wed Jan 03, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 182
Views: 19588

Re: Call the top! - Bitcoin

I wonder how many people who "called the top" actually have money in bitcoin or other cryptocurrencies.
by ny_rn
Fri Dec 29, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Ripple and Ethereum: Which exchange do you use and do you recommend it?
Replies: 14
Views: 2184

Re: Ripple and Ethereum: Which exchange do you use and do you recommend it?

I bought ripple (XRP) a few months ago and it was quite the process to purchase. Purchase bitcoin (BTC) or ethereum (ETH) on Coinbase. Send BTC or ETH from Coinbase to an exchange that has XRP. I use Bittrex. Convert BTC or ETH to XRP on selected exchange. Send XRP to a XRP wallet. I use Gatehub for...
by ny_rn
Sat Dec 16, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin futures with Fidelity
Replies: 25
Views: 2893

Re: Bitcoin futures with Fidelity

Create an account on coinbase.com and then buy and sell on gdax.com (owned by coinbase) with $0 fees.
by ny_rn
Tue Dec 12, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 52
Views: 4039

Re: NYC restaurant suggestion

I live in New York and love going to "nice" dinners. It's the only thing I splurge on. :D

Here's a list for you: http://gothamist.com/2017/10/30/nyc_mic ... e_2018.php

Enjoy!
by ny_rn
Mon Dec 04, 2017 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: New 403(b) Options
Replies: 3
Views: 381

Re: New 403(b) Options

While looking at the new options available in my upcoming 403(b), I took a peek at my current balance. Thank you Bogleheads for all your advice. Maxing out this account for the past five years has really paid off. Again, thank you. I could not have done it without you all.
by ny_rn
Mon Dec 04, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: New 403(b) Options
Replies: 3
Views: 381

Re: New 403(b) Options

I currently have 100% of my 403(b) invested in SSgA S&P 500 Index Fund N Class (SVSPX) with Valic. Beginning in 2018, I will have access to Vanguard Total Stock Market Index Fund Institutional (VITSX) available through TIAA. Is this a comparable fund? As you can tell, I want my 403(b) to be as simp...
by ny_rn
Mon Dec 04, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: New 403(b) Options
Replies: 3
Views: 381

New 403(b) Options

I currently have 100% of my 403(b) invested in SSgA S&P 500 Index Fund N Class (SVSPX) with Valic. Beginning in 2018, I will have access to Vanguard Total Stock Market Index Fund Institutional (VITSX) available through TIAA. Is this a comparable fund? As you can tell, I want my 403(b) to be as simpl...
by ny_rn
Sun Nov 26, 2017 3:38 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 12740

Re: Didn't buy Bitcoin at $4600

I bought half a bitcoin for ~ $4k and then traded it. I should have held it the Boglehead way. I also bought ethereum ~ $100. I'll hold onto that. :D
by ny_rn
Sat Nov 25, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 199
Views: 28079

Re: Buying and Spending Bitcoin

You can purchase gift cards with bitcoin via gyft.com.

I have never actually used bitcoin, ethereum or litecoin for a transaction. I hold them purely for speculation. Maybe one day they'll produce "life-changing" money for me. If not, no big deal. I still have my lazy Boglehead portfolio.
by ny_rn
Wed Oct 11, 2017 7:53 am
Forum: Local Chapters and Bogleheads Community
Topic: Brooklyn, NY Meetup
Replies: 9
Views: 1443

Re: Brooklyn, NY Meetup

Biglaw Investor wrote:
Wed Oct 11, 2017 5:21 am
I'd be up for a meeting. I live in Cobble Hill.
Great, I'm in Prospect Heights.
stemikger wrote:
Wed Oct 11, 2017 6:37 am
Would Staten Island count?
Sure. Would you be willing to come to Brooklyn? I imagine we could meet around Park Slope or close to Barclays Center (access to trains).